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August 2022
Receive one entry into our Splash into Cash Giveaway for each account opened between July 1st and August 31st, 2022. You could win up to $2,500 in cool cash to beat the heat.
Don't have a Jovia Checking account? Open yours today! Need an auto loan for that new car, a personal loan for that big purchase, or a home equity line to build your backyard oasis? We've got that too! Your credit union can offer lower rates on loans and higher earnings on deposits so you can save more, earn more, and do more while you’re soaking up the summer sun. Splash into banking on the bright side!
Learn more

Treat your bestie to brighter banking

Share the gift of Jovia membership. Spread the word! When you invite your friends and family to join and open a Jovia Checking account with a minimum deposit of $100, you’ll each get $50!
How it works:
  • Invite your friends and family to join Jovia and open their free checking account with your unique referral code.

Your referral code is: <<Referral_Code>>

  • Friends and family can join Jovia online, over the phone, or by appointment at a Jovia branch. Don't forget, they will need to provide your referral code in order to receive the $50. 
  • Once your friend or family member opens their account and meets the requirements, you will each receive your $50 reward!
Learn more
Employees, volunteers, and affiliates of Jovia and their immediate families are not eligible.

Put your home to work. Jovia can help.

You put a lot of time into making your house a home. Put 100% of the value of your home to work to reach your goals. Get an introductory rate as low as 2.49% APR for 12 months.
Borrow up to $1,500,000 and take advantage of our no closing cost options for:  
  • Home renovations
  • Backyard makeover
  • Debt consolidation
  • Big ticket purchases
Learn more
APR = Annual Percentage Rate. Line of Credit - The terms and conditions are subject to change at any time without notice. 2.49% APR introductory rate is fixed for the first twelve (12) months begins on the date of account opening. After the introductory period ends, all remaining balances will automatically convert to the variable APR per terms of the HELOC agreement. The variable APR is based on Prime plus a margin up to 2.5% and will vary with Prime. The maximum APR will not exceed 18%. Minimum APR cannot be lower than 3.25%. Not all applicants may be approved.
✝Annual Percentage Yield. Rates are subject to change without notice. APY assumes all dividends remain in the certificate until maturity. Withdrawals will reduce earnings. Fees could also reduce earnings. Penalties may be imposed for early withdrawal. Penalty-free withdrawals for tuition and home purchases only. Ask for details.

¥You can bump-up your initial Term Certificate rate once during the initial term of the account to either the then-corresponding 1-year Certificate rate or the 20-month Certificate rate. Should you elect to bump-up your rate, you will receive that higher rate for the remainder of your 20-month term. Your original maturity date will remain the same.

Security Safety Online and Offline

When it comes to security, knowing the types of scams occurring and their signs can help prevent them from happening to you and your loved ones. Jovia is here to help teach you how to become security-savvy, both online and offline!  Here are some helpful tips to look out for.

Spot and stop scammers online:

  • Protect your passwords. When creating a password, make sure it’s unique. Passwords should be a combination of letters, numbers, and special characters and be at least 8 characters in length. For an added layer of protection, consider using two-factor authentications when available.
  • Look at the domain of the site. When visiting a site, it’s important to look at the domain. Look for sites that start with HTTPS://, that S means the site is encrypted making it more secure. Sites that start HTTP:// are not encrypted, making it easy for data and information to be passed from system to system.
     
  • When visiting websites, make sure to read the privacy policy. It may be long, but it will tell you how a site plans to protect or use your personal information. If there isn’t one, you may want to consider shopping somewhere else.

Spot and stop scammers offline:

  • Everything is not what it seems. Scammers may not appear suspicious; they may pose as individuals from an organization or business, a person you may know, or even a "lover" you trust to obtain information. They will go to great lengths like creating fake IDs, calling from spoofed numbers, to even wearing a uniform representing a company or organization. Look out for red flags such as requests for large sums of money, showing up at your home unannounced, and sudden promises for things in return.
  • If someone comes to your house unannounced, do not let them in. 
    Close the door and call the business they claim to be from to confirm whether they are legitimate.
  • Do not give personal information over the phone to a number you do not recognize. When personal information is needed, go onto the business/organization’s site to find the correct number.
Follow these tips to spot fraud and scams before they happen to you. Want to learn more? Read our recent advice article "How to Prevent and Stop Fraud"
Receive a $100 cash bonus when you finance your electric or hybrid vehicle with Jovia.*  
Apply Now
* Offer available for new and existing Jovia starting July 1, 2022. All loans are subject to credit approval. Cash bonus will post automatically to the members’ checking or share up to 30 days after loan funding. Cash bonus will be reported as income on IRS form 1099-INT. Cash bonus is limited to one per loan application while supplies last. Membership eligibility requirements apply. Rates are subject to change without notice. All promotional offers can be withdrawn at any time and are subject to change without notice. Employees, volunteers, and affiliates of Jovia and their immediate families are not eligible. Jovia and its agencies assume no responsibility or liability for damages, losses or injury resulting from acceptance or use of any gift.
The Little Big Farmers Market At Tanger Outlets Deer ParkSponsored by Jovia

One of Long Island's favorite markets brings a delightful and delicious assortment of fruits, vegetables, flowers, wines, oils, breads, pickles, and sweets from Long Island’s locals.

Stop by "The Little Big Market" at Tanger Outlets Deer Park on the 1st and 3rd Saturday of every month from June 4th through October 15th, 2022, from 10 AM to 2 PM around the fountain in the Piazza.
Enjoy summer fun and great music with friends and family. Join us as we sponsor free outdoor concerts and events at the Lakeside Theater at Eisenhower Park (Field 6) in East Meadow. This season's concert series will run through August 27, 2022. All concerts begin at 8:00 PM, and International Nights begin at 7:00 PM. Bring your folding chairs and blankets. We’ll bring the entertainment.
View the Full Concert Schedule

Brighter Banking When You Travel

Headed out of town this summer? Complete our Travel Notification Form in online banking prior to your trip to ensure that you can use your Jovia debit and credit cards without interruption while traveling.
  • Login to Online Banking
  • Select "Travel Notification” from the “Tools & Resources” dropdown.
 If you need to talk to us while you’re on the road, visit our website and chat with Via, our Virtual Interactive Assistant, who can assist you with all your questions at any time of the day.  
 

Important Dates


Monday, September 5, 2022
Jovia will be closed in observance of
Labor Day

Monday, October 10, 2022

Jovia will be closed in observance of
Columbus Day

 



1000 Corporate Drive, Westbury, NY 11590
                            






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Jovia Financial Credit Union · 1000 Corporate Dr · Westbury, NY 11590-6648 · USA